Primary residence owned outright, thanks to loan from parents... Question on paying them back...

[Kodi Rath]

hey guys and girls, 

This is my first time posting so I hope this is the right place for my question... 

Long story short, my parents had a vacation house, sold it, and gave my brother and I a good amount of money towards either a house, business, or marriage. 

I started my own business already, and wanted to move it to a new state, so i decided to use it towards a house. 

So I now live in VA. They helped me buy my house, (bought outright for $165k) and I send them $1000 monthly as a "rent/mortgage" payment towards paying them back, until I can qualify for a mortgage or home equity loan to pay them back (roughly $100k I owe them) so this leads me to my question.... I've only been in business down here for 1 year, and I know being self employed I need to be in business for at least 2 years to get a mortgage. Is a mortgage my best option for paying them back? Or is there a better way? I'm just not sure how this would work, since the house is already paid for in full. (My name as well as both of my parents names are on the deed)

Should I basically "buy" it from them with a mortgage and take their names off of the deed? Seeking advice on the situation. 

Thanks in advance!

-Kodi